58 live offers · $16K in stacked cash
Bank bonuses,
ranked by math.
The math-first alternative to Doctor of Credit. Every live U.S. bank, brokerage, and credit-card sign-up bonus - scored by effective APY, filtered for the ones that actually pay, and wired through the highest-paying personal referral links on the internet.
Top APY
30%
Biggest bonus
$1,600
No-lock DD
11
Ranked by mutual value and tracking reliability
The 8 referral bonuses worth doing first
Scored on what the offer pays you, what it pays Churnables, and how dependably it actually credits. Offers with slow or flaky attribution sit further down the page, not up here.
- 1Claim →Chase Sapphire 100K (Preferred or Reserve)100,000 Chase Ultimate Rewards pointsTracks reliably
The single biggest mutual payout on the site: 100K points for you, referral points for us, and Chase credits on approval.
Value to you $2,000 · supports Churnables $400 - 2Claim →Chase United Explorer60,000 United MileagePlus milesTracks reliably
Miles post on approval for both sides, and the annual fee is waived the first year so the reader risks nothing.
Value to you $780 · supports Churnables $130 - 3Claim →Mercury (Business)$250 cash for you, $250 back to usTracks reliably
Clean $250 on each side, tracked inside Mercury's own dashboard with no third-party attribution to lose.
Value to you $250 · supports Churnables $250 - 4Claim →Marcus by Goldman Sachs+1.00% APY boost for 3 monthsTracks reliably
Both sides get the same rate boost, and Goldman posts it automatically on the next statement.
Value to you $150 · supports Churnables $150 - 5Claim →PayPal$10 for you after sending $5Tracks reliably
Lowest-effort signup on the page: five dollars of activity turns into ten, and PayPal credits it within days.
Value to you $10 · supports Churnables $100 - 6Claim →Wings Credit Union (Visa GC)$50 virtual Visa card eachTracks reliably
Referlive issues the card on verification, so there is nothing to chase and no spend requirement.
Value to you $50 · supports Churnables $50 - 7Claim →WiseZero fees on a transfer up to $500Tracks reliably
Instant value on a transfer people were going to make anyway, and Wise credits the invite the moment it settles.
Value to you $45 · supports Churnables $17 - 8Claim →MoneyLionSignup bonus with code $GladShaun228Use the code at signup
Enter the code $GladShaun228 during signup, not after, or the bonus will not attach to the account.
Value to you $25 · supports Churnables $25
Referral links pay both parties. Rankings are never for sale.
🔥 Hottest sign-ups this week
Personal-referral links, cloaked & tracked
Banks & Credit Unions
SoFi Money
$50 to $400 cash
Route one payroll direct deposit of $5,000+ within 25 days and pocket $400. No balance lock, no minimum spend, no monthly fee. Verify current tier at signup.
Claim →
High-Yield Savings
Marcus by Goldman Sachs
+1.00% APY boost for 3 months
Referred savers get an extra 1.00% APY on top of the standard Marcus Online Savings rate for the first three months, applied to any balance up to $1M.
Claim →
Business
Mercury (Business)
$250 cash for you, $250 back to us
The startup banking standard. Free business checking with FDIC coverage up to $5M through sweep, no monthly fee, and a $250 referral bonus once the qualifying deposit lands.
Claim →
Brokerage & Investing
Moomoo
Up to 16 free stocks (typical value $200+)
Tiered deposit bonus: fund $100 for 5 shares, another $2,000 for 10 more, $20,000 for 1 additional bonus share. Idle cash earns ~8% APY in the sweep. Both IRAs and taxable accounts eligible.
Claim →
Brokerage & Investing
Webull
Up to 75 free fractional shares
Open a new brokerage and fund at least $500. Shares are drawn from a pool that includes AAPL, TSLA, and other US large caps. Random per-share value, cumulative haul often $50 to $300.
Claim →
Credit Cards
Chase Sapphire 100K (Preferred or Reserve)
100,000 Chase Ultimate Rewards points
New referral page offering 100,000 Chase Ultimate Rewards points on either the Sapphire Preferred or Sapphire Reserve. Transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. Preferred has a $95 annual fee; Reserve has a $795 annual fee, $300 travel credit, and Priority Pass lounge access. 5/24 rule applies.
Claim →
Credit Cards
Chase Sapphire Reserve
100,000 Chase Ultimate Rewards points
Ultimate Rewards transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. $795 annual fee, $300 annual travel credit, Priority Pass lounge access. 5/24 rule applies.
Claim →
Credit Cards
Chase Sapphire Preferred
60,000 Chase Ultimate Rewards points
The best entry point into Ultimate Rewards. 60K posts after $5,000 spend in 3 months. Transfer 1:1 to Hyatt (a category-4 Hyatt runs 15K points a night), United, Southwest, Aeroplan, and Flying Blue. Worth roughly $1,200 in travel. $95 annual fee. 5/24 rule applies.
Claim →
Live offers
58
Stacked cash on the board
$16,439
Top effective APY
30%
No-lock direct-deposit offers
11
Personal referral links
66
Effective APY leaderboard
Highest-yielding bonuses
Fattest cash bonuses
Just show me the biggest checks
Cash vs effort
The easy-money quadrant
X = ease (10 is effortless). Y = cash. Bubble size = effective APY. Upper-right corner wins.
Category mix
What's live right now
Payout timing
Days to bonus posting
DD required?
Direct deposit vs no-DD offers
Top-ranked right now
The six biggest paydays
#1 · business30.4% APY
Bank of America
Up to $750
Hold $5k ($400) or $15k ($750) ~60 days.
Read the breakdown →
#2 · business29.2% APY
U.S. Bank
$1,200
Hold $25,000 new money 60 days + 6 qualifying transactions.
Read the breakdown →
#3 · business16.2% APY
Axos
Up to $200
Hold $3,000 avg · $50 per cycle · code START200.
Read the breakdown →
#4 · savings6.6% APY
TD Bank
$200
Hold $10,000 for 90 days (fund within 20).
Read the breakdown →
#5 · savings2.3% APY
Bask Bank
20,000 AA miles (~$280)
Hold $50,000 average balance for 90 days.
Read the breakdown →
#6 · savings2.0% APY
Barclays
$200
Hold $30,000 for 120 days.
Read the breakdown →
Master referral wall
Every account, one place
66+ personal referral links across banks, brokers, cards, crypto, and cashback apps. Every button hits a cloaked /go/ redirect - no personal tokens ever leak into your browser bar.
Banks & Credit Unions
11 offersSoFi Money
$50 to $400 cash
Route one payroll direct deposit of $5,000+ within 25 days and pocket $400. No balance lock, no minimum spend, no monthly fee. Verify current tier at signup.
Ally Bank
$100 cash
Open Ally Spending or Savings with a qualifying deposit. Bonus posts once the balance is verified. No monthly fee, no minimum balance, and 24/7 US-based support.
Suncoast Credit Union
$100 cash
Florida-headquartered CU that is nationally referable. $100 posts after two direct deposits of $100+ within 90 days of opening.
Oregon State Credit Union
Up to $600 per year in rewards
High-yield checking that pays a bonus rate on balances up to $15,000 when you run 12 debit transactions, one direct deposit, and eStatements each month.
Wings Credit Union
$100 cash
Top-rated CU (Bauer 5-star, NCUA-insured). $100 posts after opening a High-Yield Checking account and running the qualifying activity.
Wings Credit Union (Visa GC)
$50 virtual Visa card each
A virtual $50 Visa gift card once your referred membership is verified. Stackable with the $100 Wings checking bonus above, so the two together are worth $150.
OnPath Federal Credit Union
$100 cash
Louisiana CU, nationally referable. $100 posts after a qualifying direct deposit or account activity on new checking.
Associated Bank (Personal)
$300 to $500 cash
Midwest bank (WI, IL, MN). Tiered checking bonus that scales with direct deposit size. Referral tier tends to pay $100 more than the public offer.
Digital Federal Credit Union
$100 cash
Nationally-open CU with 6.17% APY on the first $1,000 in Primary Savings. $100 checking bonus for referred members after one direct deposit.
Affinity Federal Credit Union
$25 to $100 cash
Nationally-open (join via an affiliated org for $5). Soft-pull membership, no ChexSystems friction. Bonus tiers by deposit size.
Amex Rewards Checking
20,000 Membership Rewards points
Free checking with debit-card rewards that earn real transferable Amex MR points. Bonus posts after a direct deposit and card activity. No monthly fee, unlimited ATM refunds.
High-Yield Savings
2 offersMarcus by Goldman Sachs
+1.00% APY boost for 3 months
Referred savers get an extra 1.00% APY on top of the standard Marcus Online Savings rate for the first three months, applied to any balance up to $1M.
Raisin
Signup bonus of $200+ on qualifying deposits
One dashboard, dozens of federally-insured banks and CUs. Compare and fund the top High-Yield Savings and CD rates (often 5.00%+ APY) without opening a new account at each bank.
Brokerage & Investing
12 offersMoomoo
Up to 16 free stocks (typical value $200+)
Tiered deposit bonus: fund $100 for 5 shares, another $2,000 for 10 more, $20,000 for 1 additional bonus share. Idle cash earns ~8% APY in the sweep. Both IRAs and taxable accounts eligible.
Moomoo (alt link)
Up to 16 free stocks
Alternate Moomoo referral. Same tiered deposit bonus, same 8% APY sweep on idle cash. Use whichever page shows the higher current promotion.
Webull
Up to 75 free fractional shares
Open a new brokerage and fund at least $500. Shares are drawn from a pool that includes AAPL, TSLA, and other US large caps. Random per-share value, cumulative haul often $50 to $300.
Webull (12-share offer)
12 free shares (up to $3,000 total value)
Alternate Webull link. Deposit $100+ for 6 shares, $2,000+ for 6 additional. Each share can be worth up to $250.
Robinhood
1 free stock + 3% IRA transfer match
Free gift stock at account open (typically worth $5 to $200). With Robinhood Gold ($5/mo), get a 3% match on IRA transfers and 4% APY on idle cash.
SoFi Invest
Up to $1,000 cash
Tiered brokerage bonus: $25 for $1K funded, $75 for $5K, scaling to $1,000 for $500K+ in new money held 30 days. Works for IRAs and taxable.
Tradier
$99 cash
Options-first broker with a flat $10 per month unlimited-trade tier. Flat $99 posts after opening and funding a new account. Great fit for active options traders.
APEX Fintech
Waitlist priority
The clearing firm behind many popular neobrokers. Referral grants earlier access to the direct-to-consumer waitlist.
Acorns
$5 signup credit
Round-up investing app ($3 to $12 per month). $5 posts to your first Invest account after linking a funding source.
Albert
$150 direct deposit bonus
Auto-savings and smart-money app with fee-free cash advances. $150 posts after your first qualifying direct deposit.
Spruce by H&R Block
$50 cash bonus
Mobile-first spending + savings account from H&R Block. $50 posts after a $200+ qualifying direct deposit within 45 days. No monthly fee, no overdraft fees, early paycheck access.
Spruce (alt link)
$50 cash bonus
Alternate Spruce referral. Same $50 bonus after a qualifying direct deposit. Use if the primary link expires.
Credit Cards
23 offersChase Sapphire 100K (Preferred or Reserve)
100,000 Chase Ultimate Rewards points
New referral page offering 100,000 Chase Ultimate Rewards points on either the Sapphire Preferred or Sapphire Reserve. Transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. Preferred has a $95 annual fee; Reserve has a $795 annual fee, $300 travel credit, and Priority Pass lounge access. 5/24 rule applies.
Chase Sapphire Reserve
100,000 Chase Ultimate Rewards points
Ultimate Rewards transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. $795 annual fee, $300 annual travel credit, Priority Pass lounge access. 5/24 rule applies.
Chase Sapphire Preferred
60,000 Chase Ultimate Rewards points
The best entry point into Ultimate Rewards. 60K posts after $5,000 spend in 3 months. Transfer 1:1 to Hyatt (a category-4 Hyatt runs 15K points a night), United, Southwest, Aeroplan, and Flying Blue. Worth roughly $1,200 in travel. $95 annual fee. 5/24 rule applies.
Chase Freedom Unlimited
$200 cashback + 5% on groceries first year
Earns Chase Ultimate Rewards points (worth 1 cent as cashback, up to 2 cents when paired with a Sapphire or Ink card and transferred to a travel partner). 1.5% flat everywhere, 3% dining and drugstores, 5% travel through Chase. No annual fee, 5/24 rule applies.
Chase Freedom Unlimited / Flex (alt link 1)
$200 cashback + 5% bonus categories
Alternate Chase referral for the Freedom family. Choose the Unlimited for 1.5% flat everywhere and 5% on groceries in year one, or the Flex for quarterly 5% rotating categories. No annual fee, 5/24 rule applies.
Chase Freedom Unlimited / Flex (alt link 2)
$200 cashback + 5% bonus categories
Another alternate Chase referral for the Freedom family. Same offer: choose Unlimited or Flex, earn $200 after $500 spend in 3 months, plus the card's ongoing 5% categories. No annual fee, 5/24 rule applies.
Chase Freedom Unlimited / Flex (alt link 3)
$200 cashback + 5% bonus categories
Third alternate Chase referral for the Freedom family. Apply through whichever link shows the best bonus today. No annual fee, 5/24 rule applies.
Chase Freedom Unlimited / Flex (alt link 4)
$200 cashback + 5% bonus categories
Fourth alternate Chase referral for the Freedom family. Keep this as a backup in case another link targets a higher-tier offer or different card. No annual fee, 5/24 rule applies.
Chase Freedom Flex
$200 cashback + rotating 5% categories
5% on quarterly bonus categories (up to $1,500 spend per quarter), 5% travel through Chase, 3% dining and drugstores. Points combine with a Sapphire for full 1:1 partner transfers. No annual fee, 5/24 rule applies.
Chase United Explorer
60,000 United MileagePlus miles
United co-brand. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. Miles book on United, Air Canada, ANA, Lufthansa, and 20+ Star Alliance carriers. $0 first year, then $150. Referrals pay 10,000 bonus miles each, up to 100,000 miles a year.
Chase United MileagePlus (alt link 1)
60,000+ United MileagePlus miles
Alternate United MileagePlus referral. Choose any United card that fits your wallet; offer may include the Explorer with 60,000 miles and the same free-bag and United Club pass benefits. $0 first year, then $150 on the Explorer.
Chase United MileagePlus (alt link 2)
60,000+ United MileagePlus miles
Another alternate United MileagePlus referral. Compare this against the main Explorer link; referral pages sometimes show different card variants or elevated mile bonuses. $0 first year, then $150 on the Explorer.
Chase United MileagePlus (alt link 3)
60,000+ United MileagePlus miles
Third alternate United link. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. $0 first year, then $150 on the Explorer.
Amex Gold / Platinum (Personal)
80,000 to 175,000 Membership Rewards points
Amex MR transfers 1:1 to Delta SkyMiles, Air Canada Aeroplan, ANA Mileage Club, British Airways Avios, Virgin Atlantic, Air France/KLM Flying Blue, and 15+ more. Worth 1.5 to 2.0 cents each in travel. Gold: $325 fee, $120 dining + $120 Uber credits. Platinum: $895 fee, $200 airline + $200 hotel + $200 Uber + $240 digital ent + $200 Saks credits.
Delta SkyMiles Gold Amex
40,000 to 75,000 Delta SkyMiles
Delta co-brand. Free first checked bag on Delta (up to 9 people on your booking, saves $70 round trip), 20% back on inflight purchases, 2x miles at restaurants, US supermarkets, and on Delta. $0 first year, then $150. Miles redeem for Delta flights and SkyTeam partners (Air France, KLM, Korean Air, Virgin Atlantic).
Delta SkyMiles Gold (alt link)
40,000 to 75,000 Delta SkyMiles
Alternate referral for the Delta Gold Amex. Same 2x categories, free first checked bag, and $200 Delta flight credit after $10K annual spend. Use whichever link Amex shows the higher offer on today.
Amex Blue Cash Everyday
$200 statement credit
No annual fee cashback card. 3% at US supermarkets (up to $6K/yr), 3% on US online retail, 3% at US gas stations, 1% everywhere else. $200 posts after $2,000 spend in 6 months. Solid keeper card for groceries and gas.
Marriott Bonvoy Business Amex
3 Free Night Awards (up to 150K points value)
Marriott business co-brand. Earn 3 Free Night Awards (each up to 50K Bonvoy points, stackable at properties like Ritz-Carlton, St. Regis, W Hotels) after $6K spend in 6 months. Automatic Gold Elite status, 15 elite night credits per year. $125 annual fee.
Browse All Amex Cards
Referral offer on any Amex
Full Amex card lineup on one page: Gold, Platinum, Delta, Marriott, Hilton, Business Gold, Blue Business Cash, and more. Use this when comparing multiple Amex products or when Amex is running a limited-time elevated offer.
Capital One Quicksilver
$200 cashback
Flat 1.5% cashback everywhere, no annual fee, no foreign transaction fee. $200 posts after $500 spend in 3 months. Pairs well with Venture X (Capital One Miles transfer to 15+ airline partners) if you upgrade later.
Discover it Cash Back
Cashback Match (unlimited, first year)
5% on rotating quarterly categories (up to $1,500 spend), 1% everywhere else. Discover doubles every dollar of cashback you earn in year one with no cap. A typical churner walks away with $300 to $600 in year-one cashback.
Discover it (alt link)
Cashback Match (unlimited, first year)
Alternate Discover it referral. Same first-year Cashback Match, same 5% rotating categories. Use whichever link Discover shows the higher offer on today.
Prime Visa
$150 Amazon gift card on approval
Requires Prime membership. 5% at Amazon and Whole Foods, 2% at gas / restaurants / transit, 1% everywhere else. No annual fee (Prime cost aside), no foreign transaction fee. Gift card credits instantly.
Crypto
4 offersCoinbase
$10 in Bitcoin
Buy or sell $100 of crypto within 180 days of signup, receive $10 in BTC. Fully regulated US exchange (Nasdaq-listed COIN) with insured USD balances.
Gemini
$15 in Bitcoin
Trade $100 of crypto within 30 days, receive $15 of BTC. NYDFS-regulated, SOC 2 audited, insured custody. ActiveTrader fees are among the lowest in the industry.
Nexo
$25 in Bitcoin
Crypto interest and lending platform. $25 BTC after depositing $100 and holding 30 days. Interest paid daily, withdrawn any time.
Crypto.com
$25 in CRO after card activation
Metal Visa debit card with up to 5% cashback (paid in CRO) on eligible spend based on your stake tier. Bonus posts after a $200+ stake and card purchase.
Cashback & Money Apps
9 offersCapital One Shopping
$10 gift-card credit
Free browser extension (no Capital One account required). Auto-applies coupon codes at checkout and price-compares Amazon third-party sellers. Signup credit posts after your first qualifying purchase.
Upside
Extra $0.15 per gallon on first fill-up + ongoing cashback
Cashback on gas, groceries, and restaurants. Typically 10 to 30 cents per gallon on top of the pump price. Use promo code JS699 at signup. Cash out to bank, PayPal, or Amazon.
Swagbucks
$10 bonus after $25 earned
Earn SB points for surveys, shopping portals, and offers. 100 SB equals $1. Cash out to PayPal or one of 500+ gift cards.
Gopuff
$10 off first two orders
Instant delivery of groceries, snacks, and essentials in most US metros. $10 credit on each of your first two orders via the referral code.
PFS Buyers Club
Discount travel and tech perks
Membership marketplace with below-retail deals on cruises, resort stays, phones, and appliances through bulk buying power.
Wise
Zero fees on a transfer up to $500
Mid-market FX rates, typically 5 to 10x cheaper than a bank wire, plus zero fees on your first transfer up to $500. Refer three friends and Wise pays out $50. Multi-currency account with local bank details in 10+ countries.
PayPal
$10 for you after sending $5
Send $5 or more to a friend or business within 30 days of signup and receive $10 in your PayPal balance. Cash out to any linked bank. We earn $100 once a referred friend spends $5.
Privacy.com
$5 signup credit
Virtual card generator: create single-use or merchant-locked cards to shut down subscription creep and limit exposure to data breaches. Free personal tier available.
MoneyLion
Signup bonus with code $GladShaun228
All-in-one money app: fee-free RoarMoney checking, up to two-day early direct deposit, 0% APR Instacash advances, and automated investing. Enter code $GladShaun228 at signup so the referral credits on both sides.
Travel & Lifestyle
2 offersAirbnb
Up to $50 travel credit
New guests get a stay credit that applies to any Airbnb listing worldwide once you complete a qualifying booking of $75 or more.
inKind
$25 dining credit
Restaurant discovery app where you pre-fund dining credit at a discount (typically 20% off). Referral gives you $25 to spend at 3,000+ US restaurants.
Business
3 offersMercury (Business)
$250 cash for you, $250 back to us
The startup banking standard. Free business checking with FDIC coverage up to $5M through sweep, no monthly fee, and a $250 referral bonus once the qualifying deposit lands.
Associated Bank (Business)
$500 to $1,000 cash
Business checking variant. Pays for direct deposits plus a qualifying $25,000+ balance held 60 days. LLCs and sole proprietors both eligible.
Amex Blue Business Cash
$500 cashback statement credit
2% cashback on every purchase up to $50,000 per year (1% after), no annual fee, no foreign transaction fee. $500 posts after $5,000 spend in 6 months. LLCs, sole props, and freelancers all eligible.
Insider tips
The stuff banks don't advertise
Direct Deposit
Fintech ACH pushes that actually code as direct deposit
Not every ACH transfer counts. Pushes from Chime, Varo, Fidelity CMA (via BillPay in ACH mode), Ally, and Wealthfront cash reliably trigger DD requirements at Chase, Wells Fargo, Citi, and most credit unions. SoFi, US Bank, and BofA are pickier and often require a real employer payroll or an SSA/pension deposit. Test with a small push first, then send the qualifying amount.
Timing & Payout
The 60-day direct deposit clock starts on account open, not funding
Most bonuses count days from the day the account opens, not the day you fund it. Open on day one, wait until you know DDs will hit within the window, then trigger the payroll switch. Opening the account and then dragging your feet on the DD switch is the number one reason bonuses miss.
ChexSystems & 5/24
ChexSystems-friendly banks for anyone with a rough report
If ChexSystems has flagged you, focus on credit unions and second-chance banks that either soft-pull or ignore Chex entirely: Chime, Varo, Current, GO2bank, Bellco CU, PenFed, Alliant, Consumers Credit Union, and Securityplus FCU. Stack these to earn bonuses while your Chex report ages off (typical five year cycle).
ChexSystems & 5/24
The Chase 5/24 rule in one paragraph
Chase will auto-deny most Sapphire, Ink, and co-brand card apps if you have opened 5 or more personal credit cards across any issuer in the last 24 months. Business cards from Chase, Amex, Capital One, and Citi typically do not report to personal bureaus and do not count. Check your count on Credit Karma or annualcreditreport.com. Get under 5/24 before applying for Sapphire Preferred, Sapphire Reserve, or any Ink card.
Credit Cards
Amex once-per-lifetime language is real. Read the pop-up.
Amex will let you apply for a card you've had before, take the hard pull, and quietly disqualify you from the welcome offer. If a pop-up says you are not eligible for the welcome bonus, back out. NLL (no lifetime language) offers on cards like the Business Platinum come and go through referrals and CardMatch; those override the standard rule.
Funding Tricks
Brokerages that let you fund with a credit card
Robinhood, Public, Moomoo, Webull, and M1 accept debit card funding but not credit. SoFi Invest and Fidelity accept ACH only. For credit card funding, use Kroger/Safeway money orders bought with an OG Amex Blue Cash or a category-bonus card, then deposit at the receiving bank. This is how experienced churners meet minimum spend with brokerage funding.
The weekly drop
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The math is shown, not asserted
Effective APY is bonus divided by the money you actually have to park, annualized over the days it has to sit there. The inputs are printed on every offer page so you can check the arithmetic yourself.
Nobody pays to rank here
Banks and networks cannot buy placement, a higher position, or the removal of a bad note. Offers with no referral program at all still sit at the top when the numbers earn it.
Dated rows, and pulled when stale
Each row carries the date it was last read off the bank's own terms page. Terms move weekly, so confirm on the bank site before you move money.